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9982 S Saint Andrews Ln, Bloomington, IN, 47401

5beds
4baths
3,691sqft
$529,500
$143price/sqft
$3,600/moest. monthly cost
$144,000/yrincome needed

About This Home

Priced below a recent professional appraisal of $590,000, this custom Amish-built home in Fairway Knoll at Eagle Pointe offers exceptional space, quality, and updates at a compelling price. With nearly 3,700 finished square feet, 5 bedrooms, and 3.5 baths, this is a rare opportunity to secure a move-in-ready home in a premier gated community with built-in equity. The thoughtfully designed floor plan features a welcoming entry that opens to a light-filled living room with 12-foot ceilings, a fireplace, and expansive windows leading to a screened-in porch and rear decks overlooking a private, wooded setting. The updated kitchen includes quartz countertops, new KitchenAid stainless appliances, a walk-in pantry, and flows seamlessly into the main living areas. Upstairs, recent improvements include a new home office, a spacious primary suite with a fully remodeled spa-style bath and walk-in closet, three additional bedrooms, a second full bath, conveniently located laundry, and all-new carpet. The finished walkout basement adds flexibility with a fifth bedroom, remodeled full bath with 12-foot ceilings, a large recreation area, fitness room, abundant storage, secondary laundry hookups, and direct access to the lower patio. Additional recent upgrades include a brand new 2.5-ton gas furnace, providing long-term efficiency and peace of mind. Enjoy outdoor living with a wraparound front porch, screened back porch, and multiple decks, along with Eagle Pointe amenities including a private pool, pickleball courts, golf course, neighborhood restaurant, and gated entry. Conveniently located near Highway 37 and Lake Monroe, this home combines space, updates, and craftsmanship at a price that represents outstanding value. Seller is offering a $2000 credit toward interior paint.

Getting Around

8
WalkingCar-Dependent
0
TransitNo Nearby Transit
6
BikeSomewhat Bikeable

Schools

8/10
8/10
10/10

Construction

Condition

  • Year built: 1991

Materials

  • Roof: Asphalt
  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Washer,Gas Cooktop,Dryer-Electric,Oven-Built-In,Gas Water Heater
  • Laundry features: Sink

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access,Finished,Concrete

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 140

Family Room

  • Level: Lower
  • Area: 255

Features

  • 1st Bdrm En Suite,Bookcases,Ceiling-9+,Cathedral Ceiling(s),Ceiling Fan(s),Vaulted Ceiling(s),Walk-In Closet(s),Stone Counters,Eat-in Kitchen,Entrance Foyer,Kitchen Island,Pantry,Double Vanity,Stand Up Shower,Tub and Separate Shower,Tub/Shower Combination
  • Flooring: Hardwood,Carpet,Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Attic: Pull Down Stairs,Storage
  • Finished area below ground: 1,061
  • Finished area above ground: 2,630

Heating & Cooling

  • Heating features: Conventional,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,891
  • Total interior livable area: 3,691 sqft

Kitchen

  • Level: Main
  • Area: 154

Living Room

  • Level: Main
  • Area: 255

Office

  • Level: Upper
  • Area: 64

Property

Details

  • Parcel number: 530040296611.000006

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck Covered,Deck,Porch Covered

Lot

  • Lot size: 0.37 Acres
  • Features: Irregular Lot,City/Town/Suburb,Landscaped,Near Walking Trail

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters Across Indiana Counties

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,677$32,124
Home Insurance *$232$2,784
Property Taxes $353$4,236
Electricity $338$4,060
Total$3,600$43,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,428/yr
40% on housing$108,000/yr
45% on housing$96,000/yr

Indiana FAIR Plan Programs

Indiana Basic Property Insurance Underwriting Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 810Commercial: 30
Total Premiums$1.77M
Total Exposure$1.82M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 7.5%
7.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$143This listing

vs Other Active Listings

Avg $/sqft

ZIP 47401$172
Monroe County$167

vs Homes Sold Last Month

Median $/sqft

ZIP 47401$176
Monroe County$183

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-09Price change$549,900
2026-03-12Price change$559,900
2026-02-05Listed for sale$568,500
2026-01-13Listing removed$568,500
2025-10-08Price change$568,500
2025-09-25Price change$569,000
2025-09-12Price change$574,000
2025-09-03Price change$579,000
2025-08-20Price change$589,000
2025-06-08Price change$599,900
2025-05-30Price change$649,000
2025-05-22Listed for sale$679,000
2022-11-30Sold$500,000
2022-11-25Pending sale$514,900
2022-11-03Listed for sale$514,900
2022-09-18Contingent$514,900
2022-09-08Price change$514,900
2022-08-18Price change$544,900
2022-08-04Listed for sale$564,900
2022-06-28Listing removed--
2022-06-01Price change$564,900
2022-05-16Listed for sale$575,000
2018-08-03Sold$314,900
2018-05-11Sold$314,900
2017-12-06Listed for sale$314,900

For Sale by Agent

AgentAlex Root
BrokerageFC Tucker/Bloomington REALTORS

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